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FINANCE · SPAIN

Your mortgage,
with the numbers in view.

Enter the principal, fixed nominal annual rate and term. Estimate your payment and review principal and interest, without signing up.

Spain context · amounts in euros. Mathematical estimate, not a bank offer or personal advice. Does not calculate APR, fees, insurance, taxes or other costs. When used from another country, it does not check local rules or your contract terms.

Calculation inputs

Initial values are an illustrative example, not market rates. Use the figures from your offer or contract.

No thousands separator; decimal comma or point accepted. Up to 2 decimal places. €1,000 to €10,000,000. This is not the property price: enter only the amount borrowed.

Use the nominal rate, not APR. From 0 to 30 %. Up to 4 decimal places. The rate stays unchanged throughout the calculation.

1 to 40 years; 12 payments per year. These are tool limits, not lending criteria.

Review the inputs and select Calculate payment.

What this calculator does

Estimates fixed-rate financing using French amortisation: a theoretical constant payment split between interest and principal. The monthly interest rate is the nominal annual rate / 12. At 0%, principal is split over the months. It does not retrieve lender offers or ask for income or personal details.

The theoretical payment is first rounded to the nearest cent. Each month, interest is rounded to cents, with halves rounded up; the rest repays principal. The final payment is adjusted to the remaining balance. If rounding clears the balance early, the actual payment count in this model is shown. Totals are therefore summed from the schedule, rather than multiplying a rounded payment by the term.

Spain, use abroad and limitations

It is presented for users in Spain and in euros, but the mathematical formula is not country-specific. Access from abroad is available without IP restrictions. It does not apply tax rules or verify contracts in Spain or elsewhere. It does not calculate purchase costs, valuation, insurance, linked products, discounts, fees, APR or affordability; the displayed total includes principal and interest only.

Variable or mixed rates, Euribor resets, payment holidays, irregular payments and early repayment are not simulated. A loan advertised as “interest-free” may have other costs that are not calculated here. This does not determine lending approval. Check the inputs against the offer and your lender’s repayment schedule before making decisions.

Method and sources

The theoretical payment is C × i / (1 − (1 + i)⁻ⁿ), where C is principal, i is the annual nominal rate as a decimal / 12 and n is the number of months. Schedule payments and interest are calculated in cents. Amount, term and rate limits bound this tool; they do not represent typical market conditions.

Banco de España: calculator and assumptions, Spanish (new tab). Source checked on 25 October 2026. Serconet is independent and is not a Banco de España service.

Privacy

Inputs and results are calculated in this browser and are not sent to analytics or stored on our servers. Editing inputs clears the previous result. Reset example, reload or close the page to clear the simulation. Optional analytics records only general usage events, without principal, rate or term.

You can also use the personal loan calculator.

BEFORE YOU GET STARTED

Your questions, answered.

Does the payment include every mortgage cost?

No. The result includes principal and interest using your fixed nominal annual rate. It excludes fees, insurance, taxes and other costs, and does not calculate APR. It is a simulation, not an offer or lending approval.

Can I calculate a variable-rate or mixed-rate mortgage?

This tool only calculates fixed rates and monthly French amortisation payments. It does not model Euribor revisions or mixed-rate periods. Entering a variable rate does not predict future payments.

Can I view the schedule while abroad?

Yes. There is no location block. The presentation is intended for Spain and amounts are in euros. You can view the monthly schedule and download CSV; keep the page notices with the file.

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Privacy and cookies

Controller: Francisco Nicasio Rodríguez · fnicasio@gmail.com.

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